BlastPoint's Credit Union Scorecard
BLUEGRASS COMMUNITY
Charter #12648 · KY
BLUEGRASS COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 13.76% above tier (higher cost structure)
- - Delinquency rate 1.52% above tier average
- - Deposit Growth Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,861
-0.3% YoY+0.6% QoQ
|
-815 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$12.7M
-14.0% YoY+3.5% QoQ
|
$-17.4M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$7.1M
-21.5% YoY-6.4% QoQ
|
$-8.2M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$10.9M
-18.6% YoY-0.3% QoQ
|
$-14.9M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
-0.3%
-128.6% YoY-151.0% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.1%
+9.5% YoY-2.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
104.4%
+33.7% YoY+15.6% QoQ
|
+13.8% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
3.0%
+52.1% YoY-16.8% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
65.5%
-3.5% YoY-6.1% QoQ
|
+6.9% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$9,651
-19.5% YoY-3.4% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
32.8%
-36.1% YoY-16.8% QoQ
|
+8.6% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)